Wow, Bob.
The reason you see 4x4's in the ditch is excessive speed due to over confidence, and the lack of know how on driving a 4wd.
People habitually let off the throttle, and some even touch the brake when they realize they have entered a corner to fast. As bad as that is in most vehicles, it is twice as bad in a 4wd. Not because your wheels are turning at different speeds, the differentials take care of that. But because there is torque applied to both axles, which causes the vehicle to react differently then a rear, or front wheel drive unit.
If you are in a corner in a 4wd, you need steady torque applied to the drive axles at a minimum, and if it starts to let loose you need to drive into it. Letting off transfers to much torque and weight, and away you spin.
Driving down the road, your vehicle in 4wd does not have an issue with wheels turning at different speeds (unless your diffs are welded). The wheel hop you get at slow speed and full turn is a result of the front traveling significantly farther then the rear while the driveshafts spin at the same rate.
That is not the same thing as driving down a road and rounding a bend. For the most part, your tires still actually travel the same distance front and rear, just the inside and outside travel different distances, again, taken care of by the differential.
The selecttrac type of 4wd minimizes all these effects by limiting the torque dilivered to the front axle, not to all 4 wheels. The power to individual wheels is still controlled by the differentials.
In some fancier systems like chevs, and maybe some jeeps now, that axle torque is combined with a traction control system that acts on the brakes of the individual wheels, essentially controlling which wheels get torque.
I dont know which of the two the newer jeeps use, but I do know the older ones like the part/fulltime xj's do not use the traction control combined with the selectrac case.
Sorry to be so long winded.